Small Business 401(k) Advisor
Plan advice for employers. Investment guidance for participants.
Start a plan, evaluate what you have, or coordinate a provider change with clear pricing, participant support, and limited-scope ERISA 3(21) fiduciary advice for businesses in Ventura County, Southern California, and across California.
Choose the right next step for your 401(k).
Plan. Save. Grow.
The 401(k), reimagined.
Qmulate 401k was created to bring clearer pricing, practical support, and participant education to small business retirement plans. Plan sponsors receive limited-scope ERISA 3(21) fiduciary advice while retaining final authority over their plan.
Clear fee disclosure.
Plan costs may include advisory, recordkeeping, administration, custody, and investment expenses. We separate the fees we charge so sponsors can evaluate them alongside provider costs and plan services.
We work with any size business.
Employee: Looking for assistance with my account.
Sole Proprietor: No full-time, W2 employees.
Small Business: 2-49 W2 full-time employees.
Medium Business: 50-99 W2 full-time employees.
Does your business have more than 100 W2 Full-Time Employees? Call us about customizing a plan suited to your specific needs.
Your financial life, all in one place.
You can sync and track all your financial data, goals and investment accounts at any time as well as check your performance.
We'll also examine your portfolio and provide tips on how to improve your investment strategy.
Watch a brief video
Let's get started.
Help for new plans, current plans, and provider changes.
Qmulate works with business owners in Simi Valley, Ventura County, the San Fernando Valley, Southern California, and statewide. We help sponsors understand provider roles, compare plan costs and services, review investment menus, and support participants.
Explore plan-sponsor servicesQuestions business owners ask
How do I find a 401(k) advisor near me?
Business owners should look for an adviser who can explain fees, provider roles, investment-menu oversight, participant support, fiduciary scope, and the plan sponsor's continuing responsibilities. Qmulate serves businesses in Ventura County, the San Fernando Valley, Southern California, and elsewhere in California.
Can Qmulate help me start a 401(k) for my small business?
Yes. Qmulate helps business owners evaluate plan design, coordinate with independent recordkeeping and administration providers, review investments and fees, prepare for launch, and support participants.
Can Qmulate compare 401(k) providers and fees?
Yes. A plan review can compare advisory, recordkeeping, administration, custody, investment, and participant-level costs together with services, investment options, technology, and participant support.
Does Qmulate provide 401(k) investment advice to participants?
Qmulate can provide personalized, non-discretionary investment guidance using the choices available in the plan. Participants retain control over their accounts, and the specific service scope is defined in the applicable engagement and plan documents.
Supported Account Types: Traditional & Roth 401(k) | 401(k), 403(b) and IRA Rollovers | Solo 401k | SEP & SIMPLE IRAs